National Flood Insurance Program Automatic Extension Act of 2025

This bill automatically extends the National Flood Insurance Program (NFIP) beyond its September 30, 2023, expiration date until the end of the fiscal year following the "terminal fiscal year" (the year when the program would otherwise end), unless Congress passes new legislation. It directly affects NFIP operations, allowing the Administrator to continue issuing policies, renewing coverage, paying claims, and managing the program without new congressional action during the extension period. Key provisions ensure all funding levels, contract terms, and operational rules remain unchanged from the day before expiration. The extension applies only to core NFIP functions - not to temporary programs like pilot projects or studies that have specific statutory end dates. This prevents abrupt program termination while maintaining current policy terms for flood insurance holders.